The top-rated supplemental insurance agent in Ronkonkoma, New York is Brandon Vanderbeck: Allstate Insurance, rated 4.8 stars across 387 reviews. Other highly rated options include Effie Knuth - State Farm Insurance Agent, Goosehead Insurance - Ali Shah, Michele Kitterle: Allstate Insurance. This directory lists 14 supplemental insurance agents serving Ronkonkoma.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Brandon Vanderbeck: Allstate Insurance | 700 Union Pkwy STE 5 | (516) 762-4195 |
| 2 | Effie Knuth - State Farm Insurance Agent | 2411 Chestnut Ave c | (631) 737-3276 |
| 3 | Goosehead Insurance - Ali Shah | 154-2 Remington Blvd | (631) 759-4449 |
| 4 | Michele Kitterle: Allstate Insurance | 625A Portion Rd | (631) 567-5544 |
| 5 | Chris Pedone - State Farm Insurance Agent | 290 Hawkins Ave Suite A | (631) 588-6677 |
| 6 | LPL Risk Management | 148 Remington Blvd Suite 2 | (631) 676-7020 |
| 7 | Jesse Seigman: Allstate Insurance | 33 Comac Loop | (516) 568-0400 |
| 8 | Robert Vera: Allstate Insurance | 299 Hawkins Ave Ste 14 | (631) 737-0505 |
| 9 | Tara Smith-Vera: Allstate Insurance | 29 Railroad Ave | (631) 471-5500 |
| 10 | Vanderbeck Agency | 1951 County Road 93 | (516) 558-7181 |
Brandon Vanderbeck: Allstate Insurance serves Ronkonkoma and the surrounding Suffolk County area. The agency provides supplemental insurance policies designed to fill gaps left by primary health plans. These plans help cover out-of-pocket expenses such as deductibles and copays. The agent assists local residents in selecting coverage that aligns with their specific needs and budget. Services include accident insurance and hospital indemnity insurance.
As a supplemental insurance agent, Effie Knuth - State Farm Insurance Agent in Ronkonkoma, NY provides a range of life, health, and accident coverage options designed to fill gaps in primary insurance plans. Typical service plans include annual policy reviews to adjust coverage as client circumstances change. Maintenance involves periodic updates to ensure benefits remain aligned with current needs, whether triggered by a health event, family change, or job shift. This agent regularly serves individuals and families in single-family homes, apartment dwellers, and owners of retail shops as well as local restaurants.
Goosehead Insurance - Ali Shah serves homeowners, businesses, and property managers in Ronkonkoma, New York, by offering supplemental insurance policies that fill coverage gaps left by standard plans. These policies provide additional financial protection for deductibles, equipment breakdowns, or lost income. The agency helps clients review existing coverage, identify potential risks, and secure tailored plans from a broad carrier network. It also provides service to neighboring communities across Suffolk County, including the Lake Ronkonkoma and Bohemia areas, ensuring dependable access to extra coverage for local property and business owners.
Serving Ronkonkoma, NY, and the surrounding Long Island communities, Michele Kitterle: Allstate Insurance provides supplemental insurance coverage. This type of insurance helps clients fill the financial gaps left by their primary health or life plans. It handles policies for specific needs, such as accident, critical illness, or hospital indemnity benefits. The agency works closely with each individual to identify potential coverage shortfalls. To complete a typical job, the agent reviews a client’s existing benefits and then explains how a supplemental plan can offer additional financial protection for unexpected events.
Chris Pedone’s agency offers both one-time, need-specific supplemental insurance policies and recurring service options for those requiring ongoing coverage adjustments. Unlike primary health plans, supplemental insurance helps fill gaps in existing protection, often covering deductibles, copays, or accident costs for individuals and families in the Ronkonkoma area. Policyholders can customize their benefits based on personal circumstances. Service runs on an as-needed basis, with representatives available by appointment to address new coverage questions or update existing policies when life events occur.
LPL Risk Management offers supplemental insurance services in Ronkonkoma, NY, specializing in policies that cover gaps left by primary health plans. The agency helps clients manage out-of-pocket expenses with tailored options for accident, critical illness, and hospital indemnity coverage. It works directly with individuals and families to explain different plans and assist with enrollment processes. This local support can be especially valuable during open enrollment periods or when a major medical event unexpectedly strains a household budget.
As the seasons change in Ronkonkoma, local residents often look for ways to protect their income during unexpected illnesses or injuries. Jesse Seigman works as a supplemental insurance agent in the area, helping clients explore policies that can cover out-of-pocket medical expenses or lost wages. He assists individuals in comparing supplemental plans to fill gaps in major medical coverage. An initial consultation is typically scheduled to review a client’s current benefits and determine which supplemental options might best suit their financial situation.
Robert Vera: Allstate Insurance works with individuals to fill coverage gaps in their primary health plans. The agency specializes in supplemental insurance add-ons, including accident, critical illness, and hospital indemnity policies. These short-term plans help manage out-of-pocket costs for unexpected medical events, addressing topics like emergency room visits and specialist referrals. Based in Ronkonkoma, New York, the agency can serve commercial sectors seeking benefits solutions for offices, warehouses, and food service operations.
Tara Smith-Vera: Allstate Insurance provides supplemental insurance solutions to residents in their Ronkonkoma homes, helping to cover gaps left by primary health or life policies. Commercial coverage is also available for area small businesses seeking additional protection. The agency serves clients throughout Ronkonkoma and the surrounding Suffolk County community. When regular policy reviews occur, the agent follows up to adjust coverage as needs change, ensuring ongoing support between scheduled annual visits.
What Does a a Supplemental Insurance Agent in Ronkonkoma Cost?
Typical costs for supplemental insurance in New York vary by plan type and age. Medigap Plan G premiums in Suffolk County often range from $120 to $250 per month for a 65-year-old. Dental or vision add-on plans may cost $30 to $80 monthly. Costs depend on your health, age, and the insurer. This is general information, not insurance advice.
About supplemental insurance agents in Ronkonkoma
Supplemental insurance agents in Ronkonkoma, New York help residents fill gaps in their primary health coverage, such as Medicare or employer plans. New York law provides guaranteed issue rights for Medigap plans during certain enrollment periods, ensuring you can get coverage regardless of health status. These agents can explain local options like Plan F or Plan G and guide you through New York-specific open enrollment rules.
Frequently Asked Questions
What is a supplemental insurance agent in Ronkonkoma?
A supplemental insurance agent in Ronkonkoma helps you buy policies that cover costs not paid by your main health plan, like deductibles or copays. They are licensed in New York and can offer Medigap, dental, vision, or accident plans. They do not sell primary health insurance but fill coverage gaps.
What are the New York rules for Medigap enrollment?
In New York, you have a 6-month Medigap open enrollment period starting when you are 65 and enrolled in Medicare Part B. During this time, insurers cannot deny you coverage or charge higher premiums due to pre-existing conditions. Outside this period, you may face medical underwriting unless you qualify for a guaranteed issue right.
How do I choose a supplemental insurance agent in Ronkonkoma?
Look for an agent licensed in New York with experience in Medicare supplements and local carriers. Ask about their knowledge of New York state laws, such as the annual open enrollment period from October 15 to December 7. Verify their credentials through the New York State Department of Financial Services.
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